Mich. Comp. Laws § 500.1611: Exclusions.

Sec. 1611.

Creditor-placed insurance coverage does not include any of the following:

Coverage for the cost of repossession.

Skip, confiscation, and conversion coverage.

Coverage for payment of mechanics' or other liens that do not arise from a covered loss occurrence.

Coverage that requires a debtor's insurance deductible to be less than $250.00.

Coverage that is broader than the insurance coverages that meet the minimum insurance requirements of the credit agreement.

This section does not prohibit the issuance of a separate policy or endorsement providing the coverages listed in subsection (1). However, no charge shall be passed along to the debtor for these coverages.